Privacy Policy

1. Introduction

Dream Catcher Financing ("we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of personal information when you use our website and services, in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's Anti-Spam Legislation (CASL), and applicable provincial privacy laws in Manitoba.

2. Information We Collect

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and services, when you participate in activities on the website, or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us and the website, the choices you make, and the products and features you use. The personal information we collect may include the following:

• Contact Information: Name, email address, phone number, and postal address.
• Financial Information: Income details, employment status, credit history, and banking information necessary for vehicle financing applications.
• Identity Information: Date of birth, driver's license number, and other government-issued identification required for financing approval.
• Technical Data: IP address, browser type, operating system, and usage data collected automatically through cookies and similar technologies.

3. How We Use Your Information

We use personal information collected via our website for a variety of business purposes described below:

• To facilitate vehicle financing applications and assess eligibility.
• To communicate with you regarding your application, account, or inquiries.
• To send you marketing and promotional communications, subject to your consent in accordance with CASL.
• To improve our website, services, and customer experience.
• To comply with legal and regulatory obligations.

4. Canada's Anti-Spam Legislation (CASL) Compliance

We are committed to compliance with CASL. We will only send you Commercial Electronic Messages (CEMs), such as marketing emails or text messages, if we have your express or implied consent to do so.

• Express Consent: You may explicitly opt-in to receive promotional communications from us.
• Implied Consent: We may rely on implied consent if you have an existing business relationship with us (e.g., you have applied for financing or purchased a vehicle) or if you have conspicuously published your email address without a statement that you do not wish to receive unsolicited CEMs.
• Unsubscribe: You can opt-out of receiving marketing communications at any time by clicking the "unsubscribe" link in our emails, replying "STOP" to our text messages, or contacting us directly. We will process your request within 10 business days.

5. Disclosure of Your Information

We may share your personal information with third parties only in the ways that are described in this privacy policy:

• Lenders and Financial Institutions: To process your financing application and secure vehicle loans.
• Service Providers: Third-party vendors who perform services on our behalf, such as website hosting, data analysis, and email delivery.
• Legal Requirements: If required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
• Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

6. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information.

7. Your Privacy Rights

Under PIPEDA and applicable Manitoba privacy laws, you have the right to:

• Access the personal information we hold about you.
• Request correction of any inaccurate or incomplete personal information.
• Withdraw your consent to the collection, use, or disclosure of your personal information, subject to legal or contractual restrictions and reasonable notice.
• Challenge our compliance with privacy principles by contacting our Privacy Officer.

8. Contact Us

If you have questions or comments about this Privacy Policy, or if you would like to exercise your privacy rights, please contact our Privacy Officer at: